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RNST logoRenasant Corporation(RNST)Earnings, Financials & Key Ratios

RNST•NASDAQ•Banking & Credit
$40.63
$3.83B mkt cap·19.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutRenasant Corporation operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers. It operates through three segments: Community Banks, Insurance, and Wealth Management. The Community Banks segment offers checking and savings accounts, business and personal loans, asset-based lending, and equipment leasing services, as well as safe deposit and night depository facilities. It also provides commercial, financial, and agricultural loans; equipment financing and leasing; real estate–1-4 family mortgage; real estate–commercial mortgage; real estate–construction loans for the construction of single family residential properties, multi-family properties, and commercial projects; installment loans to individuals; and interim construction loans, as well as automated teller machine (ATM), online and mobile banking, call center, and treasury management services. The Insurance segment provides insurance agency services, such as commercial and personal insurance products through insurance carriers. The Wealth Management segment offers a range of wealth management and fiduciary services, including administration and management of trust accounts, such as personal and corporate benefit accounts, and custodial accounts, as well as accounting and money management for trust accounts; annuities, mutual funds, and other investment services through a third party broker-dealer; and qualified retirement plans, IRAs, employee benefit plans, personal trusts, and estates. As of December 31, 2021, the company operated a network of 189 banking, lending, and mortgage offices located in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee; 150 full-service branches and 11 limited-service branches; 173 ATMs; and 38 interactive teller machines. Renasant Corporation was founded in 1904 and is headquartered in Tupelo, Mississippi.Show more
  • Net Interest Income$804M+57.0%
  • Total Revenue$1.44B+39.1%
  • Net Income$181M-7.3%
  • Return on Equity5.52%-29.7%
  • Net Interest Margin3.01%+5.8%
  • Efficiency Ratio45.12%+14.7%
  • ROA0.81%-26.7%
  • Equity / Assets14.52%-2.2%
  • Book Value per Share40.82-8.9%
  • Tangible BV/Share24.51-8.6%
  • Debt/Equity0.27+35.1%
Technical→

RNST Key Insights

Renasant Corporation (RNST) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 16.7%
  • ✓Efficient operations: 45.1% efficiency ratio
  • ✓Well capitalized: 14.5% equity/assets
  • ✓Healthy dividend yield of 2.0%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.0x book value

✗Weaknesses

  • ✗Shares diluted 59.3% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

RNST Price & Volume

Renasant Corporation (RNST) stock price & volume — 10-year historical chart

Loading chart...

RNST Growth Metrics

Renasant Corporation (RNST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.55%
5 Years14.57%
3 Years27.85%
TTM-

Profit CAGR

10 Years10.3%
5 Years16.73%
3 Years2.96%
TTM-7.26%

EPS CAGR

10 Years0.97%
5 Years6.94%
3 Years-11.14%
TTM-35.15%

Return on Capital

10 Years7.09%
5 Years6.13%
3 Years5.14%
Last Year1.53%

RNST Recent Earnings

Renasant Corporation (RNST) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 28, 2026
EPS
$0.93
Est $0.84
+10.7%
Revenue
$274M
Est $276M
-0.7%
Q1 2026
Jan 27, 2026
EPS
$0.91
Est $0.80
+13.8%
Revenue
$279M
Est $276M
+1.0%
Q4 2025
Oct 28, 2025
EPS
$0.77
Est $0.67
+14.4%
Revenue
$235M
Est $273M
-14.1%
Q3 2025
Jul 22, 2025
EPS
$0.69
Est $0.68
+1.5%
Revenue
$226M
Est $272M
-16.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.93vs $0.84+10.7%
$274Mvs $276M-0.7%
Q1 2026Jan 27, 2026
$0.91vs $0.80+13.8%
$279Mvs $276M+1.0%
Q4 2025Oct 28, 2025
$0.77vs $0.67+14.4%
$235Mvs $273M-14.1%
Q3 2025Jul 22, 2025
$0.69vs $0.68+1.5%
$226Mvs $272M-16.8%
Based on last 12 quarters of dataView full earnings history →

RNST Peer Comparison

Renasant Corporation (RNST) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.13B21.59-7.32-56.66%-11.63%0.19
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.32B27.0313.459.47%10.86%0.30
SRCE logoSRCE1st Source CorporationDirect Competitor1.8B73.8211.435.2%12.39%0.26
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.62B12.6327.46-3.23%2.62%0.17
BANF logoBANFBancFirst CorporationDirect Competitor3.8B114.5117.7812.28%13.33%0.05
IBCP logoIBCPIndependent Bank CorporationProduct Competitor696.01M33.8110.34-0.3%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Product Competitor4.64B32.6020.9018.79%13.25%0.12
TCBK logoTCBKTriCo BancsharesProduct Competitor1.63B50.8013.691.78%9.43%0.06

Compare RNST vs Peers

Renasant Corporation (RNST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for RNST.

Scale Benchmark

vs ICE

Larger-name benchmark to compare RNST against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, SRCE, HOPE

RNST Income Statement

Renasant Corporation (RNST) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income336.9M396.52M443.66M426.8M424M481.3M519.33M512.2M803.97M
NII Growth %11.93%17.7%11.89%-3.8%-0.66%13.51%7.9%-1.37%56.97%
Net Interest Margin %3.43%3.07%3.31%2.86%2.52%2.83%2.99%2.84%3.01%
Interest Income374.75M461.85M542.58M498.13M468.69M541.81M797.32M887.78M1.26B
Interest Expense37.85M65.33M98.92M71.33M44.68M60.51M277.99M375.58M458.29M
Loan Loss Provision7.55M6.81M7.05M86.85M-2.17M23.87M15.59M9.27M107.46M
Non-Interest Income132.14M143.96M153.25M233.49M226.98M149.25M112.45M150.25M181.88M
Non-Interest Income %26.07%23.76%22.02%31.91%32.63%21.6%12.36%14.47%12.59%
Total Revenue
506.89M▲ 0%
605.82M▲ 19.5%
695.83M▲ 14.9%
731.62M▲ 5.1%
695.67M▼ 4.9%
691.06M▼ 0.7%
909.77M▲ 31.6%
1.04B▲ 14.1%
1.44B▲ 39.1%
Revenue Growth %8.65%19.52%14.86%5.14%-4.91%-0.66%31.65%14.1%39.12%
Non-Interest Expense301.62M345.03M374.17M469.95M430.33M395.37M439M408.21M651.66M
Efficiency Ratio59.5%56.95%53.77%64.23%61.86%57.21%48.25%39.33%45.12%
Operating Income
159.87M▲ 0%
188.65M▲ 18.0%
215.69M▲ 14.3%
103.49M▼ 52.0%
222.83M▲ 115.3%
211.31M▼ 5.2%
177.19M▼ 16.1%
244.97M▲ 38.3%
226.73M▼ 7.4%
Operating Margin %31.54%31.14%31%14.15%32.03%30.58%19.48%23.6%15.7%
Operating Income Growth %17.74%18%14.33%-52.02%115.31%-5.17%-16.15%38.25%-7.44%
Pretax Income
159.87M▲ 0%
188.65M▲ 18.0%
215.69M▲ 14.3%
103.49M▼ 52.0%
222.83M▲ 115.3%
211.31M▼ 5.2%
177.19M▼ 16.1%
244.97M▲ 38.3%
226.73M▼ 7.4%
Pretax Margin %31.54%31.14%31%14.15%32.03%30.58%19.48%23.6%15.7%
Income Tax67.68M41.73M48.09M19.84M46.94M45.24M32.51M49.51M45.46M
Effective Tax Rate %42.34%22.12%22.3%19.17%21.06%21.41%18.35%20.21%20.05%
Net Income
92.19M▲ 0%
146.92M▲ 59.4%
167.6M▲ 14.1%
83.65M▼ 50.1%
175.89M▲ 110.3%
166.07M▼ 5.6%
144.68M▼ 12.9%
195.46M▲ 35.1%
181.27M▼ 7.3%
Net Margin %18.19%24.25%24.09%11.43%25.28%24.03%15.9%18.83%12.55%
Net Income Growth %1.38%59.37%14.07%-50.09%110.27%-5.59%-12.88%35.1%-7.26%
Net Income (Continuing)92.19M146.92M167.6M83.65M175.89M166.07M144.68M195.46M181.27M
EPS (Diluted)
1.96▲ 0%
2.79▲ 42.3%
2.88▲ 3.2%
1.48▼ 48.6%
3.12▲ 110.8%
2.95▼ 5.4%
2.58▼ 12.5%
3.27▲ 26.7%
2.07▼ 36.7%
EPS Growth %-9.68%42.35%3.23%-48.61%110.81%-5.45%-12.54%26.74%-36.7%
EPS (Basic)1.972.802.891.493.132.972.583.292.09
Diluted Shares Outstanding47M52.63M58.23M56.47M56.42M56.21M56.14M59.75M95.17M

RNST Balance Sheet

Renasant Corporation (RNST) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments952.94M1.82B1.71B1.98B4.26B2.11B1.72B1.92B1.07B
Cash & Due from Banks281.45M569.11M414.93M633.2M1.88B575.99M801.35M1.09B1.07B
Short Term Investments671.49M1.25B1.29B1.34B2.39B1.53B923.28M831.01M0
Total Investments8.3B10.63B11.16B12.44B13.04B14.24B14.36B14.8B22.63B
Investments Growth %13.35%28.14%4.99%11.49%4.77%9.23%0.86%3.03%52.88%
Long-Term Investments7.63B9.38B9.87B11.1B10.65B12.71B13.44B13.97B22.63B
Accounts Receivables000000000
Goodwill & Intangibles674.89M1.03B1.03B1.03B1.05B1.1B1.1B1.08B1.55B
Goodwill611.05M932.93M939.68M939.68M939.68M991.71M991.66M988.9M1.41B
Intangible Assets63.85M93.09M90.47M93.13M113.12M108.62M110.48M87.1M146.61M
PP&E (Net)183.25M209.17M309.7M300.5M293.12M283.6M283.19M279.8M465.14M
Other Assets336.46M434.27M399.48M444.37M473.74M673.96M696.69M700.49M1.04B
Total Current Assets1.01B1.88B1.79B2.06B4.34B2.22B1.84B2.01B1.07B
Total Non-Current Assets8.82B11.05B11.61B12.88B12.47B14.77B15.52B16.02B25.68B
Total Assets
9.83B▲ 0%
12.93B▲ 31.6%
13.4B▲ 3.6%
14.93B▲ 11.4%
16.81B▲ 12.6%
16.99B▲ 1.1%
17.36B▲ 2.2%
18.03B▲ 3.9%
26.75B▲ 48.3%
Asset Growth %12.99%31.59%3.6%11.41%12.6%1.06%2.19%3.88%48.33%
Return on Assets (ROA)1%1.29%1.27%0.59%1.11%0.98%0.84%1.1%0.81%
Accounts Payable000000000
Total Debt297.36M651.32M865.6M496.31M485.16M1.14B736.98M538.63M1.06B
Net Debt15.91M82.21M450.67M-136.89M-1.39B564.37M-64.37M-553.4M-15.19M
Long-Term Debt207.55M263.62M376.51M474.97M471.21M428.13M429.4M430.61M499.76M
Short-Term Debt89.81M387.71M489.09M21.34M13.95M712.23M307.58M108.02M555.77M
Other Liabilities96.56M111.08M196.16M241.49M209.58M224.83M249.39M245.31M21.81B
Total Current Liabilities8.01B10.52B10.7B12.08B13.92B14.2B14.38B14.68B555.77M
Total Non-Current Liabilities304.11M374.7M572.67M716.46M680.79M652.96M678.79M675.92M22.31B
Total Liabilities8.31B10.89B11.27B12.8B14.6B14.85B15.06B15.36B22.87B
Total Equity
1.51B▲ 0%
2.04B▲ 34.9%
2.13B▲ 4.0%
2.13B▲ 0.3%
2.21B▲ 3.6%
2.14B▼ 3.3%
2.3B▲ 7.6%
2.68B▲ 16.6%
3.88B▲ 45.1%
Equity Growth %22.88%34.91%4%0.33%3.62%-3.34%7.55%16.58%45.05%
Equity / Assets (Capital Ratio)15.41%15.8%15.86%14.29%13.15%12.57%13.23%14.85%14.52%
Return on Equity (ROE)6.71%8.26%8.04%3.93%8.1%7.64%6.53%7.86%5.52%
Book Value per Share32.2338.8436.5137.7739.1638.0040.9244.8340.82
Tangible BV per Share17.8719.3418.8219.4820.5118.4221.2926.8224.51
Common Stock249.95M296.48M296.48M296.48M296.48M296.48M296.48M332.42M488.61M
Additional Paid-in Capital898.1M1.29B1.29B1.3B1.3B1.3B1.31B1.49B2.39B
Retained Earnings397.35M500.66M617.36M615.77M741.65M857.73M952.12M1.09B1.2B
Accumulated OCI-10.51M-17.9M764K25.07M-10.44M-209.04M-154.26M-142.61M-89.73M
Treasury Stock-19.91M-24.25M-83.19M-101.55M-118.03M-111.58M-105.25M-97.2M-103.49M
Preferred Stock000000000

RNST Cash Flow Statement

Renasant Corporation (RNST) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations207.04M82.11M163.62M82.24M142.66M574.04M148.55M129.43M271.47M
Operating CF Growth %26.4%-60.34%99.27%-49.74%73.46%302.39%-74.12%-12.88%109.75%
Net Income92.19M146.92M167.6M83.65M175.89M166.07M144.68M195.46M181.27M
Depreciation & Amortization4.83M3.5M8.19M34.63M47.35M42.74M35.23M32.28M16.21M
Deferred Taxes37.95M16.44M20.04M-13.66M11.41M2.28M-5M4.65M1.69M
Other Non-Cash Items80.49M-38.2M-30.83M-810K-38.34M387.4M-12.08M-93.98M72.65M
Working Capital Changes-13.71M-53.8M-11.57M-32.15M-63.73M-35.95M-27.99M-22.87M-18.07M
Cash from Investing69.66M-503.29M-505.91M-1.27B-660M-2.04B-55.4M-298.04M-734.02M
Purchase of Investments-210.19M-686.89M-492.02M-515.66M-2.16B-804.9M-11.9M-174.23M-1.2B
Sale/Maturity of Investments680.67M163.09M474.77M482.89M636.72M452.95M747.96M368.19M997.79M
Net Investment Activity470.48M-523.8M-17.25M-32.77M-1.52B-351.94M736.06M193.96M-203.27M
Acquisitions41.69M153.5M-250K00-120.89M055.33M261.48M
Other Investing-429.45M-110.63M-453.45M-1.2B883.86M-1.56B-769.83M-533.69M-792.24M
Cash from Financing-301.47M708.83M188.11M1.4B1.76B167.64M132.21M459.3M441.24M
Dividends Paid-34.42M-43.61M-50.9M-50.13M-50.02M-49.99M-50.28M-53.73M-78.6M
Share Repurchases0-7.06M-62.94M-24.57M-21.32M000-13.34M
Stock Issued173K000000217M0
Net Stock Activity173K-7.06M-62.94M-24.57M-21.32M00217M-13.34M
Debt Issuance (Net)-1000K1000K1000K-1000K-1000K1000K-1000K-1000K1000K
Other Financing-76.96M496.61M85.92M1.85B1.85B-418.76M589.82M495.83M443.67M
Net Change in Cash
-24.77M▲ 0%
287.66M▲ 1261.3%
-154.18M▼ 153.6%
218.27M▲ 241.6%
1.24B▲ 470.3%
-1.3B▼ 204.6%
225.36M▲ 117.3%
290.68M▲ 29.0%
-21.31M▼ 107.3%
Exchange Rate Effect000000000
Cash at Beginning306.22M281.45M569.11M414.93M633.2M1.88B575.99M801.35M1.09B
Cash at End281.45M569.11M414.93M633.2M1.88B575.99M801.35M1.09B1.07B
Interest Paid36.89M66.71M98.4M73.69M45.74M54.56M239.61M381M0
Income Taxes Paid32.56M24.52M26.73M39.99M50.98M41.76M42.05M29.07M0
Free Cash Flow
194M▲ 0%
59.75M▼ 69.2%
128.66M▲ 115.3%
53.97M▼ 58.0%
122.14M▲ 126.3%
559.21M▲ 357.8%
126.92M▼ 77.3%
115.78M▼ 8.8%
237.75M▲ 105.3%
FCF Growth %29.13%-69.2%115.32%-58.05%126.31%357.83%-77.3%-8.78%105.35%

RNST Banking Ratios

Renasant Corporation (RNST) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.01%6.71%8.26%8.04%3.93%8.1%7.64%6.53%7.86%5.52%
Return on Assets (ROA)1.09%1%1.29%1.27%0.59%1.11%0.98%0.84%1.1%0.81%
Net Interest Margin3.46%3.43%3.07%3.31%2.86%2.52%2.83%2.99%2.84%3.01%
Efficiency Ratio63.25%59.5%56.95%53.77%64.23%61.86%57.21%48.25%39.33%45.12%
Equity / Assets14.17%15.41%15.8%15.86%14.29%13.15%12.57%13.23%14.85%14.52%
Book Value / Share29.3832.2338.8436.5137.7739.163840.9244.8340.82
NII Growth24.71%11.93%17.7%11.89%-3.8%-0.66%13.51%7.9%-1.37%56.97%
Dividend Payout32.7%37.33%29.69%30.37%59.93%28.44%30.1%34.75%27.49%43.36%

RNST SEC Filings & Documents

Renasant Corporation (RNST) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Mar 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

5
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 8, 2025·SEC

RNST Frequently Asked Questions

Renasant Corporation (RNST) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Renasant Corporation (RNST) grew revenue by 39.1% over the past year. This is strong growth.

Yes, Renasant Corporation (RNST) is profitable, generating $181.3M in net income for fiscal year 2025 (12.6% net margin).

Dividend & Returns

Yes, Renasant Corporation (RNST) pays a dividend with a yield of 2.03%. This makes it attractive for income-focused investors.

Renasant Corporation (RNST) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.

Industry Metrics

Renasant Corporation (RNST) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

Renasant Corporation (RNST) has an efficiency ratio of 45.1%. This is excellent, indicating strong cost control.

Explore More RNST

Renasant Corporation (RNST) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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